Fine Print: "Purchases” do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable.

The personal investment of both cards include

-2K spend in 3 months on both cards and two $99 fees.
-Interest is around 16.24% but I NEVER let interest accrue on these cards. This is where people can get in trouble.
-The total of 4K spent was on regular bills and purchases and travel.
-Each time Chase pulls credit for approval it will stay on my report as a hard pull for 2 years.
-Moving closer towards Chase's 5/24 rule. The 5/24 rule states that you will not be approved for additional cards if you have opened more than 5 Chase accounts within 24months. While this is not officially in writing, it has appeared on applications and is well known in the credit card bonus chaser streets :D
-My credit score took a fall quite a bit but has since improved drastically since opening the accounts.

What did I get in Return?

Over 116K points and a companion pass. From those points I was able to purchase 17 tickets in 2016 at an average of $26 and a redemption of 3,758 points per flight. I can use the companion pass until 12/31/2017. Let's say each ticket at regular cost averaged $100 each that's over $1,200 in savings! I was able to get the best redemption on flights by traveling last minute, searching by the calendar and booking flights on new routes (good deals) such as Havana.

Would I recommend this card?

Absolutely, but it is important to be strategic when choosing an airline card. Look at a typical redemption cost and see if the airline consistently has deals from your preferred airport. So far this is the best airline card I own.

Here is a breakdown of the different ways I earned points.

Credit cards are not the only way to earn points! I was able to accumulate more points through revenue generating flights, partner hotels, rental cars and more.

Want the Southwest Card for yourself, apply here after weighing the pros and cons. To be totally transparent, I will receive points as a referral but I don't receive any information on who applied or money.

Check out related articles to help you maximize your experience and earn more points!